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The mathematics of Indulgence

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Most men would have cribbed about the shopping obsession of the women in their lives (not just wives!). Men, who study consumers, (and not just their women) would describe this as 'retail therapy' - how you shop when you are stressed. Women shop when they are stressed. A student of CAT preparation would apply deductive reasoning or syllogisms on these statements and conclude that  Women are mostly stressed! (Wonder why is this not mentioned in any nuptial agreements!) That could be true. However, there probably is more to it. What is the secret behind this? Why do women (as well as men) shop when they are stressed? Shilpa Madan  has an interesting logic to address part of this quiz -  We earn moral credits by doing something interesting.  Mathematically speaking, when you earn moral credits, you spend them on supposedly 'immoral' activities or indulgence as it is called! So every time you do something good, you want to spend that on something you would n...